Revenue: As of FY2025 Q3, the actual value is USD 10.95 M.EPS: As of FY2025 Q3, the actual value is USD 0.04.EBIT: As of FY2025 Q3, the actual value is USD -3.367 M.<h3>Segment Revenue</h3><ul><li>Interest Income: $10.6 million for the three months ended September 30, 2025, unchanged from the same period in 2024.</li><li>Interest Income on Loans: $8.2 million for the three months ended September 30, 2025, compared to $8.4 million for the same period in 2024.</li><li>Interest Income on Securities: $2.1 million for the three months ended September 30, 2025, compared to $1.9 million for the same period in 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $454,625 for the three months ended September 30, 2025, compared to a net loss of $366,960 for the same period in 2024.</li><li>Net Interest Income: $3.9 million for the three months ended September 30, 2025, compared to $2.7 million for the same period in 2024.</li><li>Provision for Credit Losses: Recovery of $50,000 for the three months ended September 30, 2025, compared to no provision for the same period in 2024.</li><li>Non-Interest Income: $321,338 for the three months ended September 30, 2025, compared to $327,385 for the same period in 2024.</li><li>Non-Interest Expense: $3,737,924 for the three months ended September 30, 2025, compared to $3,604,894 for the same period in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Used for Operating Activities: $2,196,565 for the nine months ended September 30, 2025, compared to - $1,517,895 for the same period in 2024.</li><li>Net Cash Provided by Investing Activities: $24,705,015 for the nine months ended September 30, 2025, compared to - $40,293,895 for the same period in 2024.</li><li>Net Cash Used for Financing Activities: - $47,884,987 for the nine months ended September 30, 2025, compared to $37,884,839 for the same period in 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Net Equity Investments: $2.5 million at September 30, 2025, as part of a $10 million commitment to a limited partnership investing in sale leaseback transactions.</li><li>Non-Performing Loans: $20.5 million at September 30, 2025, compared to $14.0 million at December 31, 2024.</li><li>Allowance for Credit Losses: 0.38% of total loans and 12.42% of non-performing loans at September 30, 2025, compared to 0.37% of total loans and 18.77% of non-performing loans at December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><h4>Core Business Focus</h4><ul><li>Loan Portfolio Management: Emphasis on originating and purchasing loans with adjustable interest rates, promoting core deposit products, and monitoring borrowings with the Federal Home Loan Bank and brokered deposits based on the interest rate environment.</li><li>Investment Strategy: Maintaining all investments as available-for-sale, diversifying the loan portfolio, and strengthening the capital position.</li></ul><h4>Non-Core Business</h4><ul><li>Limited Partnership Investment: Commitment to fund a $10 million limited partnership investing in sale leaseback transactions, with $2.5 million already invested as of September 30, 2025.</li></ul><h4>Priority</h4><ul><li>Capital Management: Maintaining a strong liquidity position with $31.2 million in cash and cash equivalents and $160.7 million in securities available-for-sale as of September 30, 2025.</li><li>Regulatory Compliance: Exceeding all applicable regulatory capital requirements and being considered “well capitalized” under regulatory guidelines with a Community Bank Leverage Ratio of 15.42% as of September 30, 2025.</li></ul>

Bogota Financial | 10-Q: FY2025 Q3 Revenue: USD 10.95 M